West Corporation

Red Hat, Inc.

Open Invention Network LLC

Terrance Currey

Jonathan McIntosh

A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator. The voice response unit may obtain a test voice print. The storage medium may store information associated with the consumer, and a control voice print associated with the information. The voice print comparator may receive the control voice print from the storage medium, compare the test voice print to the control voice print, determine a match level signal indicating a degree of match between the test voice print and the control voice print, compare the match level signal and a predefined threshold, and determine an approval for a transaction based on the comparison of the match level signal and the predefined threshold.

Apparatus and method for verifying transactions using voice print

A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator The voice response unit may be configured to obtain a test voice print during a transaction between the consumer and the merchant. The storage medium may be configured to store information associated with the consumer, and a control voice print associated with the information. Also, the voice print comparator may be configured to receive the control voice print, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween.

A system, apparatus, and method for verifying that a consumer seeking to conduct a transaction with a merchant is authorized to use an associated account. An exemplary embodiment of the apparatus may include a voice response unit, a storage medium, and a voice print comparator The voice response unit may be configured to obtain a test voice print during a transaction between the consumer and the merchant. The storage medium may be configured to store an account number associated with the consumer, and a control voice print associated with the account number. Also, the voice print comparator may be configured to receive the control voice print associated with the account number, compare the test voice print to the control voice print, and to return a match level signal indicating a degree of match therebetween. From the match, the merchant may decide whether the consumer is authorized to use the account.

A verification system for verifying that a consumer seeking to conduct a transaction with a merchant using an account is authorized to use the account. A voice response unit records a voice print of the customer, e.g. when the account is established, and associates the voice print with the customer account. In a subsequent transaction, such as where a customer changes telecommunications provider, the customer voice print is used to verify that a voice approval given by the customer is in fact from the customer.

A verification system for obtaining, storing and providing access to information regarding a commitment or position of an individual or entity. In one embodiment the verification system comprises an interactive voice response system or computer program interface capable of obtaining and recording information regarding any of a number of commitments from an individual or entity, such as a commitment to change long distance telephone service providers. The verification system comprises a voice response unit configured to query pertinent information from an individual and record the responses to the queries in a digital format. Upon completion of a successful session, the voice response unit forwards the recorded responses confirming consent, to a storage device, such as a computer server. As desired, the recorded responses can be retrieved from the server by telephone or computer for verification of the consent, commitment, or position of the individual or entity.

Growing community of inventors

Omaha, NE, United States of America

Terrance Currey